Thatha i Khangela kwezinye zeeNgxowa zeBond Best Best zibonelelwa nguVanguard
Nangona i- Vanguard Investments iyaziwa kakhulu ngemali yenkcazo, njengengxowa -mali enkulu kwihlabathi , iVanguard Total Total Market Index (VTSMX) , kunye nenye yezona zi- S & P 500 Index Index , iVanguard 500 Index (VFINX) , iVanguard inika ezinye imali engcono yokuthenga.
Iingenelelo zeeNgxowa zeBond yeVanguard
Iindleko eziphantsi ziyimpawu ebalulekileyo kwiimali eziphathekayo ezilungileyo kakhulu kodwa ukulinganiswa kweendleko eziphantsi kubaluleke ngokukhethekileyo ekufumaneni umda wokusebenza kwihlabathi leemali ezibophelelweyo.
Xa kuphela ipesenti enye ehlukileyo kwimbuyekezo iyakwazi ukwahlula iifizi ezigqwesileyo ezigqithisiweyo kwiindleko ezibi kakhulu, iindleko eziphantsi zeemali ze-Vanguard zingaba yinto ebalulekileyo kwiimali ezibophelelweyo kunokuba zifumane abaphathi be-fund bond. Ngenxa yoko, i-Vanguard yexabiso eliphantsi kweendleko ngokuqinisekileyo lilungelelwano oluqinileyo lweengxowa-mali zabo ezinxulumene nabanye.
Iimali zeengxelo zeVanguard, ulawulo oluhambelanayo lunikeza inzuzo efanayo kumatsalo-mali. Kwelinye, imali elawulwa ngokungapheliyo ngokwemvelo inezindleko ezincinci kunezimali ezilawulwa ngokuzimeleyo kuba kukho uphando olunzulu kunye nohlalutyo olufunekayo. Umphathi weengxowa-mali uya kulandelela inkcazo yebhenkmark, kodwa umphathi osebenzayo udla ukuzama ukubetha ibhenkmark. Iimali ezibophelelweyo, le meko ibininzi i- Index yeBarlaylay Bgregate Bond Index , eyona nkcazo ebanzi yobuninzi obubandakanya izibophelelo ezininzi ze-US kunye nezinye izibophelelo zangaphandle ezithengiswa e-US.
Ukusebenzisa imali yenkcazo kunokuba luncedo kuba ulawulo olusususayo luyakususa umngcipheko we-fund manager ukwenza iimpazamo zomntu, njengokungafani kakuhle kweemeko zezoqoqosho njengezikhokelo zerhafu.
Iimali zeBond ezigqwesileyo ezivela kwiVanguard
Ngaloo nto inzuzo yeengxowa-mali zengxowa-mali, zizinto ezintathu zezona zibophelelo ezigqwesileyo ezibonelelwa yi-Vanguard Investments:
- I-Vanguard Iyonke Index ye-Bond Market (VBMFX) : Ngexabiso lentengo ye-0.20% kuphela, abatyali-mali bafumana inqununu enkulu kwiindleko xa kuthelekiswa neengxowa-mali ezininzi kunye neendleko eziphantsi ziguqulela ekubuyiseni okungcono, ngakumbi ekuhambeni kwexesha. I-VBMFX ilandelela i-Index yeBarlaylay Associated Bond Index. Kwimizuzu eyi-10 okanye ngaphezulu, abatyali-mali bangalindela ukudibana okanye ukubetha ukubuyiswa kwesikhwama sebhondi ephakathi.
- I-Vanguard ephakathi-Ixesha lokuTyala kweBakala (i-VFICX) : Nangona i-VFICX ayikho inkcazo yenkxaso-mali, umyinge weendleko u-0.20% ophantsi. Kwaye nangona isitayela sokulawula esisebenzayo asisoloko sigcina i-index ye-benchmark, ibuyiselo lexesha elide lihle ngakumbi kunokuba luchaze imali njengeVBMFX.
- I-Vanguard Ixesha elifutshane loTyalo-mali lweTyalo-mali (i-VFSTX) : Izibophelelo zexesha elifutshane ziba nezivuno eziphantsi kunye neentlawulo eziphantsi, xa kuthelekiswa nezibophelelo ezide kunye nexesha elide kodwa izibophelelo zexeshana azikhawulezileyo, ezenza kube lula ukukhetha xa amaxabiso enzala ekhulayo. Okwangoku, ukuba awukwazi kakade, unokuba uzibuza ukuba yeyiphi "ibakala lotyalo-mali" lithetha. Iibhondi zilinganiswa ngetyala lokuthenga imali. Ngokuxhomekeke kwirejista yokulinganisa, ukulinganisa kuvela kwi-AAA (umgangatho ophezulu) ukuya kwiD (ngokungekho phantsi). Ibakala lotyalo-mali ngumgangatho ophakathi, oqhelekileyo ukusuka kwiAAA ukuya eBBB-. Umzekelo we-AAA ekhonjiweyo ibhondi yi-US Treasury bond. Ekuguquleleni, iimali zebhanti zebhanki-mali-mali zifaka imali kumyinge wee-bonds. Inzuzo kubatyalomali kukuba izivuno kunye nokubuyiselwa kwexesha elide kunokuba ziphezulu, ngokukodwa ekuhambeni kwexesha, ubuncinane befaniswa nezinye iifom ze-bond-bond ezifutshane njengeVFSTX.
Zonke iirhafu ze-Vanguard zingasentla zineentengo zokutshala imali encinci i-$ 3,000.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.